Get your MERS Online MIN Records through an API

What you can build on MERS Online

• Look up a MIN Record

  Build this

  Finds a loan with MIN Find by MIN or property address and reads its MIN Record: status, servicer, subservicer, originating organization and note details.

  Takes

  MIN or property address

  Returns

  MIN, MIN status, borrower name, property address, county, note amount, note date, servicer, subservicer, originating organization

• List transfer batches awaiting confirmation

  Build this

  Reads the TOS, TOB and TOS/TOB Combo batches in Pending or Overdue status that name your Org ID and still need your confirmation.

  Takes

  Batch type (optional), status (optional)

  Returns

  Batch number, batch type, initiating organization, transfer date, transfer expiration date, status, MIN count, confirmed count

• Read a day's MERS System reports

  Build this

  Opens Reports from the Main Menu, selects a processing day and reads the reports you name, such as the Registration Rejects/Warnings (RG) Report.

  Takes

  Processing day, report names

  Returns

  Report name, report code, MIN, transaction, reject or warning message, date

• Deactivate a MIN Record as Paid in Full

  Build this

  Runs the Paid in Full deactivation for a MIN Record you service, after the lien release has been sent for recording, and reads back the new MIN status.

  Takes

  MIN, deactivation date

  Returns

  MIN, MIN status, deactivation reason, deactivation date

Automate MERS Online with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

• TOS batches to confirm before they expire

  Build this

  Starts

  Every weekday at 8:00

  Step 1

  List the TOS and TOS/TOB Combo batches in Pending or Overdue status that still need your confirmation.

  Step 2

  Keep the batches that were not there on the last run or whose transfer expiration date is within 7 days.

  Step 3

  Email you the batches with batch number, initiating organization, transfer date, expiration date and MIN count.

• Daily reject and warning reports for reconciliation

  Build this

  Starts

  Every weekday at 7:30

  Step 1

  Read the previous processing day's Registration Rejects/Warnings (RG) and Transfer of Servicing Rejects/Warnings (SF) reports.

  Step 2

  Stop when both reports are empty.

  Step 3

  Post each row, with MIN, transaction and message, to your servicing system's webhook.

• Check MIN Records before a payoff

  Build this

  Starts

  When your system calls the workflow's webhook with a list of MINs

  Step 1

  For each MIN, look up the MIN Record and read its MIN status, servicer and subservicer.

  Step 2

  Keep the MINs that are not Active or do not name your organization as servicer.

  Step 3

  Post the result for every MIN to your webhook, and email you the exceptions.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Look up a MIN Record” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "mersonline.org/look_up_min_record",
    "input": {
      "min": "100012300004567894"
    }
  }'

{
  "status": "completed",
  "data": {
    "min": "100012300004567894",
    "min_status": "Active",
    "borrower_name": "Jamie Doe",
    "property_address": "1250 Elm Street, Springfield, IL 62704",
    "county": "Sangamon",
    "note_amount": 312000,
    "note_date": "2025-06-18",
    "servicer": {
      "name": "Northwind Mortgage Servicing",
      "org_id": "1000456"
    },
    "subservicer": null,
    "originating_organization": {
      "name": "Acme Home Lending",
      "org_id": "1000123"
    }
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

MERS Online’s own options

MERSCORP offers two system-to-system interfaces to MERS System members: a Flat-File Interface over SFTP, which it recommends for most members, and an XML Interface over HTTPS. The technical layouts are in the MERS System Integration Handbook. MERS Online is the Web Interface for transactions entered by hand.

Read on November 12, 2026: MERS System Procedures Manual, Release 26.1, MERS System pricing schedule.

Signing in to MERS Online

MERS Online signs you in through ICE SSO with your Global ID, your work email address, and a password. Two-factor authentication then emails you a numeric code to enter before you reach the MERS System. With Fous you sign in once through that sign-in with your own account: the login is sealed with AES-256, the emailed code is handled, and an expired session is signed back in.

Worth knowing

Seven days to create a TOS Batch

The servicer must create a TOS Batch no later than 7 calendar days after the Transfer Date. The new servicer must accept or reject each MIN Record transfer before the Transfer Expiration Date.

Changing the Transfer Date resets confirmations

While a batch is Pending or Overdue, changing its Transfer Date removes the earlier confirmations, so every MIN Record transfer in it must be confirmed again.

Reports are filed by processing day

Each member must check daily for new reports and clear the rejects and warnings for its Org ID. In MERS Online you pick a day under Reports, then the report.

What you see depends on your role

Search results vary with your organization's affiliation to the MIN Record. A MIN Record inactive for 10 years is archived and can only be found by its MIN.

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